Flood insurance cost · by state
Flood insurance cost by state
Median annual cost of NFIP home policies in force on August 31, 2026, from FEMA data. National median: $1,082.
AK$382ME$1,204VT$1,364NH$1,370WA$1,058ID$1,083MT$995ND$865MN$1,133IL$1,146WI$936MI$830NY$1,313RI$1,204MA$1,407OR$1,146NV$877WY$1,070SD$1,161IA$1,054IN$961OH$919PA$1,232NJ$1,328CT$1,582CA$1,079UT$650CO$926NE$943MO$1,103KY$1,210WV$1,335VA$804MD$660DE$1,145AZ$984NM$1,084KS$1,045AR$1,003TN$1,084NC$1,025SC$949DC$400OK$1,070LA$1,119MS$1,240AL$1,233GA$1,010HI$1,480TX$1,084FL$1,017PR$470
- $382–$925
- $926–$1,024
- $1,025–$1,102
- $1,103–$1,231
- $1,232–$1,582
Median annual cost of NFIP home policies in force on August 31, 2026, in five groups with about the same number of states. Each tile links to the state page.
All states and territories
Swipe the table sideways to see all columns.
| State | Home policies | Median | Middle half | vs last year |
|---|---|---|---|---|
| Alabama | 24,356 | $1,233 | $948–$1,587 | +13.9% |
| Alaska | 2,647 | $382 | $349–$552 | +0.8% |
| Arizona | 16,624 | $984 | $752–$1,267 | +7.4% |
| Arkansas | 8,500 | $1,003 | $728–$1,331 | +7.8% |
| California | 134,613 | $1,079 | $763–$1,358 | +15.8% |
| Colorado | 10,633 | $926 | $603–$1,368 | +4.0% |
| Connecticut | 19,809 | $1,582 | $1,094–$2,446 | +10.6% |
| Delaware | 16,309 | $1,145 | $762–$1,555 | +10.1% |
| District of Columbia | 1,347 | $400 | $358–$538 | −1.0% |
| Florida | 968,533 | $1,017 | $681–$1,503 | +9.5% |
| Georgia | 56,349 | $1,010 | $726–$1,269 | +9.1% |
| Guam | 130 | $1,654 | $1,086–$2,825 | +2.6% |
| Hawaii | 10,453 | $1,480 | $1,119–$2,716 | +14.6% |
| Idaho | 3,682 | $1,083 | $789–$1,405 | +8.6% |
| Illinois | 20,127 | $1,146 | $776–$1,530 | +10.7% |
| Indiana | 12,786 | $961 | $699–$1,328 | +4.8% |
| Iowa | 6,022 | $1,054 | $721–$1,398 | +8.0% |
| Kansas | 5,165 | $1,045 | $725–$1,408 | +5.3% |
| Kentucky | 12,289 | $1,210 | $857–$1,789 | +11.4% |
| Louisiana | 350,949 | $1,119 | $861–$1,330 | +9.9% |
| Maine | 6,307 | $1,204 | $754–$1,664 | +9.1% |
| Maryland | 30,809 | $660 | $463–$963 | +2.8% |
| Massachusetts | 34,220 | $1,407 | $933–$1,981 | +8.4% |
| Michigan | 15,244 | $830 | $631–$1,158 | +3.6% |
| Minnesota | 4,911 | $1,133 | $746–$1,462 | +9.9% |
| Mississippi | 39,525 | $1,240 | $942–$1,586 | +14.5% |
| Missouri | 10,300 | $1,103 | $666–$1,580 | +8.8% |
| Montana | 3,011 | $995 | $680–$1,405 | +4.6% |
| Nebraska | 5,426 | $943 | $676–$1,280 | +4.8% |
| Nevada | 7,863 | $877 | $717–$1,123 | +5.7% |
| New Hampshire | 4,116 | $1,370 | $961–$2,040 | +13.8% |
| New Jersey | 107,500 | $1,328 | $1,002–$1,861 | +11.5% |
| New Mexico | 10,999 | $1,084 | $767–$1,566 | +6.6% |
| New York | 112,514 | $1,313 | $919–$1,874 | +11.3% |
| North Carolina | 101,871 | $1,025 | $736–$1,352 | +9.6% |
| North Dakota | 4,804 | $865 | $627–$1,266 | +3.5% |
| Ohio | 17,419 | $919 | $631–$1,336 | +4.7% |
| Oklahoma | 6,761 | $1,070 | $747–$1,352 | +12.4% |
| Oregon | 15,562 | $1,146 | $817–$1,489 | +10.4% |
| Pennsylvania | 30,665 | $1,232 | $864–$1,770 | +11.1% |
| Puerto Rico | 5,479 | $470 | $366–$598 | −0.6% |
| Rhode Island | 7,998 | $1,204 | $857–$1,647 | +5.9% |
| South Carolina | 114,439 | $949 | $663–$1,259 | +9.7% |
| South Dakota | 1,939 | $1,161 | $820–$1,452 | +8.7% |
| Tennessee | 17,107 | $1,084 | $734–$1,416 | +10.4% |
| Texas | 491,317 | $1,084 | $804–$1,267 | +14.1% |
| U.S. Virgin Islands | 751 | $470 | $374–$575 | +1.5% |
| Utah | 3,069 | $650 | $458–$950 | +1.6% |
| Vermont | 2,584 | $1,364 | $916–$2,086 | +13.3% |
| Virginia | 69,741 | $804 | $578–$1,188 | +4.1% |
| Washington | 22,185 | $1,058 | $752–$1,401 | +10.6% |
| West Virginia | 6,597 | $1,335 | $994–$1,971 | +11.7% |
| Wisconsin | 8,478 | $936 | $636–$1,363 | +2.2% |
| Wyoming | 1,278 | $1,070 | $768–$1,406 | +3.5% |
This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.